Finally paying for Claude and OpenAI from outside the US
Each one on its own card with a sensible monthly cap so if anything dodgy happens I'll catch it. That's the whole reason I started using virtual cards in the first place.
Samantha, Australia
Accepted in AustraliaPrivate & Secure Virtual Cards
Create virtual Visa cards for online and in-person payments in Australia, the USA and wherever Visa is accepted. Keep your transaction history private & personal data protected with Halocard.
Trusted by 3,561 people around the world
1 of 10. Samantha K., Australia. Finally paying for Claude and OpenAI from outside the US
Accepted at 175M merchants worldwide
Already have an Australian bank card? Here's why you need Halocard
Real Visa credit cards issued from the USA
Australian debit cards are frequently declined by US merchants due to foreign BIN detection and fraud filters. With Halocard you create virtual credit cards directly on the US Visa network — processed as domestic US transactions.
More virtual cards for every purchase
Create dedicated cards for SaaS subscriptions, online shopping, and advertising spend. Isolate costs and prevent billing surprises.
Nominate a US billing address
Nominate a US billing address (or any custom address worldwide) on any card, essential for accessing US-only services like Amazon US, Hulu, HBO Max, and more.
Private purchases separate from your bank
Halocard doesn't connect to your Australian bank via direct debit or Open Banking. Your spending never appears on your CommBank, ANZ, or Westpac statement.
Why do Australian cards often decline at US merchants?
Cross-border payment approval rates drop to just 50–60% when Australian cards are used at US merchants. Fraud filters flag foreign BINs, and address verification systems reject non-US billing addresses. Halocard solves this with US-issued Visa credit cards that process as domestic transactions.
50–60%
Approval rate for cross-border transactions. Domestic Australian transactions approve at around 95%.
3.8%
Average decline rate for credit cards. US-issued credit cards have higher acceptance and avoid cross-border friction.
Secure and reliable virtual cards with no hidden fees
Card types
Spending
Controls
Payments
3 steps to create your virtual credit card
1. Sign-up with a phone
Sign up from your browser. No app download needed.
2. Quick identity check
Verify you're a real person in less than 3 minutes. No US residency required.
3. Add funds to your account
Use stablecoins, debit/credit card, or bank transfer (1%).
Your virtual card is ready.
That's it! Your virtual cards can now be used for online and in-person purchases anywhere in the world where Visa is accepted.
Choose a plan and create your first card in under 5 minutes
Essential
3 Virtual Cards
$12/mo
or $120 yearly (Save $24)
✨ Annual plans unlock:
2 Disposable Cards /mo
1 Physical Halocard
Spend up to $1M per day
Apple Pay & Google Pay
Limit, lock or cancel cards
Customizable billing address
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
Pro
12 Virtual Cards
$15/mo
or $150 yearly (Save $30)
✨ Annual plans unlock:
6 Disposable Cards /mo
1 Physical Halocard
Everything in Essential
Virtual USD Account (coming September)
Elite
60 Virtual Cards
$75/mo
or $750 yearly (Save $150)
✨ Annual plans unlock:
12 Disposable Cards /mo
3 Physical Halocards
Everything in Pro
Priority support (2 hour SLA)
Want Halocard for FREE?
Every person who joins via your referral link earns you a commission of $5 - $25 every month (up to $100 for businesses). Refer as few as 3 people and the Essential plan pays for itself. Refer beyond that and Halocard starts becoming serious income.
How Halocard compares to Australian virtual card providers
Feature
Halocard
Wise
Airwallex
Card type
US Credit
AUD Debit
AUD Debit
Availability
Global
Global
Global
Spending limit
None
Account limit
Account limit
Account funding
Card, Crypto, Stablecoins & Bank Transfers
Bank transfer
Bank transfer
New virtual cards every month
12 / 30 / 60
3
10 or 50 total
ID verification required
Yes
Yes
Business entity verification
Acceptance at US merchants
Excellent
Limited
Limited
Apple & Google Pay support
Yes
Yes
No
Custom billing address
Yes
No
No
Private purchases
Yes
No
No
Comparison reflects publicly available information as of May 2026. Competitor details subject to change.
Made with ❤️ to provide the virtual card experience you deserve
Instant funding
Top-up with stablecoins, card payments, or bank transfers in USD, EUR or GBP.
Instant card creation
Virtual cards ready to spend in seconds for your purchases and subscriptions.
Freeze on demand
Lock any card instantly or cancel it permanently if something feels wrong.
Custom billing address
Nominate a custom billing address in the US or anywhere in the world, for every Halocard.
3D-Secure Authentication
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
No apps to download
Your Halocards are accessible from your phone or desktop with no app download required.
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